PAIR Finance will send you the reference number of your case in every message. You will find this at the top right of the e-mail or on the letterhead of the cover letter. It is a 12-digit number beginning with a "4".
It is very important to state your case number so that your case can always be clearly assigned. Please also remember to always include the correct case number when making a manual transfer to us.
PAIR Finance offers you the opportunity to settle your outstanding invoice quickly and securely using various payment options. We offer the following payment methods:
iDEAL
Credit card
Klarna (Sofort)
Manual bank transfer
Payment pause
Pay in Installment
You will find the link to your personalised payment page in e-mails, text messages and WhatsApp messages that you receive from us.
Alternatively, you can also access your payment page by entering your case number at www.incassomethart.nl.
After you have made a payment, it may take a few days for the payment to reach our account, depending on the payment method. If you still receive messages from us a few days after making a payment, it is best to call us or write us a message with your file number.
Phone: +31 (20) 53 218 42 (Mo-Fr: 9 AM - 5 PM)
E-Mail: klantenservice@pairfinance.nl
If you have already made a payment to your contractual partner, please send us proof of payment (e.g. screenshot of the transfer receipt) by e-mail. Please note that even if payment is made immediately after we have been commissioned, the collection costs will be incurred and must therefore also be reimbursed.
If you are currently unable to pay the outstanding invoice completely, you can visit your individual payment page via a link sent to you or visit our payment page www.incassomethart.nl and choose a suitable solution for you (e.g. a payment pause or instalment plan). Alternatively, get in touch with us by phone or e-mail. PAIR Finance finds an individual and suitable payment arrangement in more than 97.8% of cases. For you too!
Collection costs are extrajudicial costs incurred by a creditor if a debtor does not fulfil his payment obligation or does not do so on time. If a debtor does not (timely) fulfil his payment obligation, a creditor is forced to take action to still get his money. Such action may consist of sending the debtor a reminder himself, but the creditor may also engage a third party to do so, often a collection agency. The collection agency then performs activities on behalf of the creditor (such as dunning, making payment arrangements), with the aim of still receiving (collecting) the amount the debtor still has to pay.
How high are collection fees?
Collection costs are structured according to a statutory graduated scale (according to Article 6:96 of the Dutch Civil Code and the Compensation for Extrajudicial Collection Costs Decree). A graduated scale implies a percentage that changes as the amount of the claim increases. The compensation charged for collection costs may not exceed the following graduated scale:
For a claim of less than €267: an amount of €40.
For a claim between € 267 and € 2,500: 15%.
Over the next € 2,500 of the claim: 10%.
Over the next € 5,000 of the claim: 5%.
Over the next € 190,000 of the claim: 1%.
Over the remainder 0.5% with a maximum of € 6775 (which is reached for a claim of € 1,000,000).
Here, it does not matter by whom the claim is collected; by the creditor himself or by, for example, a collection agency, lawyer or bailiff commissioned by the creditor. The fee covers all collection actions, regardless of the description of the costs of those actions (e.g. administration, management or registration costs).
Your outstanding claim has been handed over to us by your contractual partner for collection, meaning that we are now the direct contact for your claim. It is therefore very important that we receive your payment. This ensures that your case is processed efficiently and reliably for you and that your case can be effectively closed.
Please do not ignore our contact anyway. You are welcome to e-mail us or discuss the situation on the phone to avoid further reminders and costs. We will clarify the matter with the contractual partner and will of course stop the process if it turns out that our payment requests are not justified.
If you do not know the contractual partner, the claim may still be justified, for example if you have used the services of a payment service provider as part of your order from a shop. This service provider, who enabled payment by invoice, for example, is your legal contractual partner and can now expect payment from you.
If, even after a thorough check, it is not clear to you why this request exists, and you have never received the underlying order or service, please also check whether your data may have been misused. This is important: Contact us in any case, we will help you!
All companies, from SMEs to large corporations, have the problem that some of their bills are not paid within the agreed period. If the customer does not pay even after several payment reminders, the company turns to a specialised service provider, the collection agency, for support. A collection agency now tries to contact the customer and find an amicable solution to the outstanding bill. If no payment agreement can be reached, collection agencies can also take legal action and use a bailiff as a follow-up.
Too bad you're not satisfied with our service. Our team does its utmost every day to make debt collection easy for consumers and companies. You can submit a complaint on this page.
If you have been contacted by us, then we, as a debt collection service provider, have been commissioned by a company to work with you to find a solution for an outstanding payment. You should have originally made this payment to this company because you have or have had a purchase contract or service contract with them.
So that we can remind you of the outstanding debt and facilitate an amicable repayment, we must of course be able to contact you. Our client may and must therefore pass on your personal data, such as your name and address, the basis and amount of the claim, etc., to us. Only with this data is it possible for us to contact you and assert the claim.
Furthermore, it may be the case that we are not to mediate in relation to a claim against you, but against a third party, and we contact you in this context. This may be the case if you have been appointed as a carer or if you have been mandated as a lawyer. In these cases, your contact details for the claim file will be stored as the correspondence address, and you will also receive information on the processing of your personal data by the debt collection company in accordance with Art. 13 or 14 GDPR.
As a registered debt collection company, PAIR Finance is generally authorised to process all the data required to collect a debt. This regularly requires data about the debtor, e.g. name, address and telephone number, as well as the debt to be collected, i.e. in particular the reason for the debt, amount and due date.
PAIR Finance may also collect, store and use information itself if this is necessary for processing the case in question. This includes, in particular, obtaining creditworthiness information, determining addresses and other data required to assess the claim.
Every company is free to seek the assistance of a lawyer or a debt collection agency in relation to an - even if only alleged - outstanding claim. In the case of an outstanding, possibly disputed claim, a company may and must pass on personal data, in particular name and address, the reason for the claim, the amount and the due date of the claim, to PAIR Finance. This is because only with this data is it possible for us to contact you and offer a solution for an outstanding claim.
Consent for the transfer of data to a legal service provider is not required. The activities of PAIR Finance are permitted under data protection law by the legal provisions of Art. 6 para. 1 sentence 1 lit. b) and lit. f) GDPR (data processing for contract fulfilment, data processing based on the legitimate interest of the creditor).
As a so-called "data subject", you have a right to erasure of your personal data under Article 17 (1) GDPR under the conditions specified therein. PAIR Finance takes this right very seriously, just like the other rights under the GDPR. We have therefore developed a blocking and erasure concept for all data processed by us.
However, the legislator has also taken into account that the consent of the other party cannot always be required for the purpose of asserting outstanding claims. Therefore, there is no right to erasure of data if a company processes your data for the establishment, exercise or defence of legal claims. This is based on Article 17(3)(e) GDPR. Personal data may therefore continue to be stored as long as there are still outstanding claims and are processed as part of the debt collection activity. Once the debt collection procedure has been discontinued, the data is no longer required to fulfil the debt collection procedure and would in principle have to be erased in accordance with Article 17(1)(a).
However, deletion is replaced by restricted processing if legal, statutory or contractual retention periods prevent deletion (Art. 17 para. 3 lit. b) GDPR).). Personal data must of course also continue to be stored due to commercial or tax regulations; however, this is then only done for this purpose. These periods may vary. The Art. 52 of the General Law on State Taxes (Algemene wet inzake rijksbelastingen) and Art. 34 of the Law on Value Added Tax 1968 (Wet op de omzetbelasting 1968) stipulate retention period of usually seven years, in some cases ten years.
The exercise of the right to object to the processing of data on the basis of a balancing of interests (Art. 6 para. 1 lit. f) GDPR) in accordance with Art. 21 para. 1 GDPR requires that you provide PAIR Finance with specific reasons arising from your particular situation. This means that you must demonstrate that and why your particular case is an atypical constellation that gives particular weight to your interests. It is not sufficient, for example, to dispute the claim ("I have not concluded a contract") or to state that the creditor's performance was incorrect or did not take place.
However, the right to object does not apply under Art. 21 para. 1 GDPR if the processing of the data serves the assertion, exercise or defence of legal claims. In the typical case constellations in the context of debt collection processes (recovery of outstanding claims), your objection to our data processing will therefore ultimately be in vain. How else would it be possible to collect receivables if the processing of the information could be prevented? This is actually logical.
Any further questions?
Please remember to name your case number. i
klantenservice@pairfinance.nl
+31 20 532 18 42 (bereikbaar ma-vr van 09.00 tot 17.00 tegen lokaal tarief)
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